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thewifeandI

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Everything posted by thewifeandI

  1. If you are claiming contractual rate in place of s69 then it IS part of the claim and not a discretionary award by the judge. Only s69 is discretionary.
  2. Just use Customer Relations in Halifax - see the Halifax forum for addresses in a sticky post at the top. Read up in there too and post any questions you have in a thread that you can also use to track your progress. You get the benefit of help and support from others who are doing or have done the same as you.
  3. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  4. Well done - there's no telling what you are letting yourself in for unless you see it in writing first. If there are any clauses in the offer that you disagree with, cross them out and initial the changes before signing (keep a copy of the signed document too) and returning.
  5. What makes you think they've got a system - they've only be dealing with this for 5 months so far!
  6. That's it - just make sure you don't send cash - you can ask them to debit it from your account if there's enough to cover it. Otherwise PO or cheque - or cash at a branch, but get a receipt. PS - time to start a thread in the NatWest forum if you haven't already.
  7. 1. Use the date the interest is debited. 2. Rates aren't required as the spreadsheet apportions the amount of the interest charged between charges and the rest of the overdraft. 3. It doesn't matter if you were in authorised overdraft or not - just use the lowest balance (highest overdraft) for the month in question.
  8. Just send it to Customer Services at the Head Office - they'll get it to the right department.
  9. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Yes!
  10. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  11. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  12. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  13. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  14. Try reposting this in the Holiday Companies forum for best advice
  15. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! A good deal more charges...?
  16. The best thing to do to start with is to write and ask for the reason - even try a DPA letter (with £10 fee) asking for the notes from your account and any internal correspondence that lead to their decision.
  17. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! One useful thing to do is to move your account to a different bank group from your husband's -
  18. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  19. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  20. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  21. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  22. There's two distinct lots of interest applicable here and you need to get them straight in your mind first. When you had a charge deducted from your account this lowered your bank balance. Over time the accumulated total of these charges may have driven your account into overdraft, and maybe past your limit. The bank usually charges you interest on the overdraft balance. Some of the interest paid could be due to genuine use of your overdraft, but over time the accumulation of charges will mean that the proportion that is due to charges will be greater, even up to the whole amount. There
  23. You have to weigh the estimate errors against the time and effort to accurately key in six or more years worth of account transactions (or 11 and 13 years in my claims). 90% or more of people here would be put off by the effort (that's just an estimate by the way ).
  24. You have to inform them of the dispute as soon as possible - phone and follow it up in writing. Then do your LBA letter as 14 days have passed since the Prelim. Start a thread in the HSBC forum for best advice from now on.
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